Bert Oliva led a team in 1994 which while on a search for higher knowledge discovered Humanology. His teaching principles come from his studies of psychology, color therapy, numerology, physiology, sociology and neuro-linguistic programming. By studying four dimensional concepts; physical, emotional, logical, and spiritual Bert has been able to develop his basic and fundamental teaching programs into what is today known as HUMANOLOGY, the study of Human Potential.
At the core of Humanology, is the ability to improve your life in all aspects by understanding how we interact with situations and events that come up and the ability to respond to it on one or all of the dimensional concepts. Bert uses Humanology to identify the strengths, weakness and the potential that each individual has. What began as a dream and passion has now helped transform the lives of many professionals from all industries and walks of life such as CEO's, political leaders, entertainers, doctors, teachers, parents and children alike.
Challenge your team, friends, or family to find balance between risks and results, to help them tap into their ultimate potential.
TERMS OF USE
This privacy statement covers the
www.bertoliva.com and the www.empoweringquotes.com websites (collectively, “the
Website” or “this Website”). These websites are owned and operated by BOWA Wealth
Academy- “BOWA”. This privacy policy covers only information that is
collected through this Website, and does not cover information that may be
collected through software downloaded from the site. The policy answers the
following questions about how we collect, use and maintain the security of the
information you provide to us on the Website:
- What personally identifiable information BOWA collects.
- What personally identifiable information third parties collect
through the Website.
- What organization collects the information?
- How BOWA uses the information.
- With whom BOWA may share user information.
- What choices are available to users regarding collection, use and
distribution of the information.
- What types of security procedures are in place to protect the loss,
misuse or alteration of information under BOWA' control.
- How users can correct any inaccuracies in the information.
By visiting this site, you are
accepting the practices described in this Policy as may be revised from time to
time. If users have questions or concerns regarding this statement, they should
first contact the Legal Department by Emailing info@bertoliva.com
Contact Information
If you have any questions or
suggestions regarding our privacy policy, please contact us at:
12080 SW 127th Ave. Tel:
888.572-7038
Miami, FL 33186 Email:
info@bowaworld.com
MEMBERSHIP AND CANCELLATION
With the exception of trial
memberships and special offers, your membership to the Website is a monthly,
recurring membership. Unless specified otherwise on the Website, your
membership is automatically renewed each month and you are financially
responsible for all membership fees until notice of cancellation is received by
BOWA.
Cancellations are not retroactive
therefore, if you cancel after your membership month has begun, then you will
not be entitled to a refund for that membership month. Cancellations do not
become effective until the starting date of your next membership month. A
membership month begins on the calendar date (e.g., December 15th) when you
subscribe to the Website and concludes on the day before that calendar date
(e.g., January 14th) the following month.
You can cancel your membership to the Website in the following manner:
a) By email: send an email to memberships@bowaworld.com indicating within the body of the message your intent to
cancel. Be sure to include your first and last name and user name. Please note
that BOWA will not accept or open email communications with attachments.
;OR
b) By facsimile: send a brief letter,
including your first and last name, user name and email address, and fax it to:
BOWA Enterprises, (305) 774-3438 Attn: Member Services.
RESTRICTION ON USE OF
MATERIALS
BOWA grants you a non-exclusive,
non-transferable, limited right to access, use and display the Website and the
material provided on the Website solely for your personal use, provided that
you comply with these provisions. You acknowledge that the content and
material, including, without limitation, all software, photos, videotext,
graphics, music, sounds, questions, creative suggestions, messages, comments,
feedback, ideas, recipes, notes, drawings, articles and other information,
available on the Website are owned by BOWA or licensed to BOWA, and are
protected by copyrights, trademarks, service marks, patents, trade secrets, or
other proprietary rights and laws. You will not sell, license, rent, modify,
distribute, copy, publicly display, publicly perform, publish, adapt, edit or
create derivative works from these materials or content, unless expressly
authorized by BOWA. Notwithstanding the above limitation, you may print or
download one copy of the materials or content on this site on a single computer
for your personal use. When content and material is downloaded, you do not
obtain any ownership interest in the content or material. In addition, you
agree to keep all copyright and other proprietary notices intact. Modification
or use of the content and material on this website is strictly prohibited
unless expressly authorized by jimkaras.com in a prior written consent.
THIRD PARTY PRODUCTS AND
SERVICES
From time to time, you may order
services, merchandise or other products through links on this Website to
websites operated by third parties. All matters concerning the products and
services from the third parties, including, without limitation, purchase terms,
payment terms, warranties, guarantees, maintenance and delivery, are solely
between you and the third party. BOWA makes no warranties or representations
regarding any products or services provided by a third party. BOWA is not a
party to any transaction between you and a third party, whether or not we may
have received some form of revenue or other remuneration in connection with
such transactions. BOWA is not liable, either directly or indirectly, for any
costs or damages arising from transactions with third parties.
COPYRIGHT COMPLAINTS
BOWA respects the intellectual
property rights of others and ask that our members do the same. In appropriate
circumstances and in our discretion, we reserve the right to terminate the
rights of any member to access and use the jimkaras.com website who infringes
the intellectual property rights of others.
If you believe that your work has been copied and posted on the bertoliva.com
website in a way that constitutes copyright infringement, please contact us at:
DISCLAIMER OF WARRANTIES
ALL MATERIALS, INFORMATION, SOFTWARE,
PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE “CONTENT”)
ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED
WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT
LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, OR NONINFRINGEMENT. BOWA, ITS SUBSIDIARIES, AND ITS LICENSORS DO NOT
WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL
BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS
WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL
COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME
JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE
EXCLUSIONS MAY NOT APPLY TO YOU.
LIMITATIONS OF LIABILITY
UNDER NO CIRCUMSTANCES WILL BOWA, ITS
SUBSIDIARIES, OR ITS LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE,
INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR
INABILITY TO USE, THIS WEBSITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED
LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY
OTHER BASIS, EVEN IF BOWA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF
INCIDENTAL OR CONSEQUENTIAL DAMAGES, BOWA' LIABILITY IN SUCH JURISDICTIONS
SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
INDEMNIFICATION
Upon a request by BOWA, you agree to
defend, indemnify, and hold harmless BOWA and its subsidiary and other
affiliated companies, and their employees, contractors, officers, and directors
from all liabilities, claims, and expenses, including attorneys' fees, which
arise from your use or misuse of this site. BOWA reserves the right, at it own
expense, to assume the exclusive defense and control of any matter otherwise
subject to indemnification by you, in which event you will cooperate with BOWA
in asserting any available defenses.
Pricing Policy
Online prices and offers are subject to change without notice.
Sales Tax Policy
Because BOWA does business throughout the United States and collects and remits
sales tax as required by law, the BOWA Web site also collects and remits sales
tax as appropriate. If you have tax-exempt status, you will be required to
provide your state tax-exempt certification prior to purchase.
Our Return Policy for Items
Purchased Online
If there is a problem with your order, please contact us immediately at 888.711.2044
so we can promptly resolve it for you.
Most items in original condition may be returned within 5 days of delivery for
a full merchandise refund. Merchandise must be returned in unused, like-new
condition. See Return Policy Basics for additional restrictions.
Important note: Except in cases where the return is the result
of a shipping error or the item arrives damaged or defective, original shipping
charges are non-refundable and return shipping fees equal to the original
shipping charges will be charged to all returns.
Return Instructions
To start the return process, call us and we'll promptly provide you with detailed
instructions on how to return your merchandise for a refund or exchange. We
will also provide you with a Return Authorization (RA) number for each return,
which is valid for 5 days. The valid RA number must be included with your
return in order to assure proper credit. We are not responsible for merchandise
returned without a valid RA number.
Return Policy Basics
- Merchandise in unused, like-new condition in original packaging and paperwork must be returned within 5 days of delivery.
See Return Policy Exceptions below.
- A refund can only be issued to the original credit card used for
purchase.
- All returns must include the following:
1. Customer Receipt
2. Original Packing Slip & Original
Packaging
3. Return Authorization number
Damaged Items and Shortage
Claims
Please inspect all merchandise immediately upon receipt. Any damaged or missing
items must be reported within 3 days of delivery by calling us.
Cancellation/Postponement of
Events:
Once a date is set aside and a
presentation confirmed, we often incur commitments of time and resources on
your behalf, well in advance of the program date. Because a
cancellation/postponement initiated by the Client causes losses, either through
direct resource expenditure or because of turning down other business for this
date, we have found it necessary to include the following cancellation clause,
effective in all cases other than acts of God (e.g., major disasters):
20% of deposit fee if cancelled in less
than 30 days;
50% of deposit fee if cancelled in 31 to 60 days before;
75% of deposit fee if cancelled in 61 to 90 days before.
Special Order Refund Policy
Because all of our products/services
are made to order, there are no refunds, charge-backs or challenges for
purchases made with your credit card. All items/orders are made to your
specifications and preferences and cannot be 'returned to stock' if you change
your mind.
We at, (“BOWA”) want our members to
have access to 24 hours of support from other members. We want you as a member
to walk away from Support Groups feeling encouraged and motivated, so we ask
that you all agree to observe the following standards of conduct, which is part
of our Terms of Use, when posting messages or participating in chat rooms at
the www.bowaworld websites:
Purchases/Investments
The client agrees to the charges above for the services/products rendered with signature below This agreement permits Bert Oliva Wealth Academy or B.O.W.A. to bill credit card. Please note we may use Pay Pal to process your payments and will be sent a confirmation via email, all credit card payments are subject to a 3% fee for processing. Please note all sales are final and no refunds or chargeback’s may be made. 1Tickets are transferable. ALL prices subject to change without notice. Seminar or Workshop or Forum date or location may change; participant/vendors are responsible for checking calendar and confirming their participation for selected event/s. Please refer to the cancellation policy, rules & restrictions online at www.bertoliva.net/legalstuff.html.
NOTE: Please ask rep. for details & restrictions. CD’s without original packaging are non-refundable, if there is a mal-functioning CD you must return it to our offices first to receive your new one. All sales are final and non-refundable. 2 Tele-class memberships must be canceled in writing and may take up to 4-6 weeks for cancellation.
Coaching Evaluations need to be
faxed in no later than 10 days after event. The evaluation will determine the
type of training you will be recommended if you qualify. These sessions may not
be taped or recorded by client. Please ask representative for meeting location.
On location coaching is available
for an additional $75 in Dade/$100 in Broward counties only (per session). Make
all appointments/calls on time or call at least 24 hours before to reschedule
if an unavoidable conflict arises for you. Otherwise a $25 charge will be assed
if less than 48 hours reschedule happens. If less than 24 hours a $50 fee will
be applicable to be paid with following coaching session. If we do not receive
a call or reschedule 2 hours before appt. a full coaching fee will be charged to
your account. If account is cancelled before last date of agreement a $300
penalty will be billed and last retainer will not be refunded. After 30 days of
dormant account, the client must re-register for new program at current rates.
Coaching sessions are non-refundable due to arrangement for scheduling and
time. Any coaching cancellations of agreement must be made with 6 weeks notice.
COACHING
If Bert
calls you for a phone Coaching Session at your scheduled time and you miss the
call, you have 15 minutes to call back before you a charged a session. This
time will be deducted from your schedule time. Please make all
appointments/calls on time or call at least 24 hours before to reschedule if an
unavoidable conflict arises for you. Only allowed 1 meeting re-schedule
permitted without charge.
In-person
sessions can be switched to Phone Session, but not vice-a-versa. If you
reschedule your appointment less than 48 hours a $25 fee will be added to your
account. If less than 24 hours a $50 fee will be applicable. If we do not
receive a call or reschedule 2 hours before appt. a $100 fee will be charged to
your account. All fees must be paid before your next scheduled appointment. We
do this since we have to clear the appt. calendar to accommodate your time as
well as the coaches.
Nature of the
Relationship.
A.
B.O.W.A. and
its Coaches offer educational services. These sessions are coaching sessions
for your planning, education and motivation. B.O.W.A. represents, and by
signing this Agreement, you acknowledge that you understand and agree, that
these coaching sessions are not psychological counseling, relationship
counseling, financial advising, estate planning nor any other type of
counseling or therapy sessions.
B. In addition, by signing this Agreement, you acknowledge that B.O.W.A.
Coaches are not financial advisors nor are they brokers/dealers. No content
provided by either the coaching or the coaching course materials is intended as
financial advice and B.O.W.A. does not recommend any particular investment.
C. It is B.O.W.A.’s intent to keep confidential information shared by Client confidential.
Information that cannot be kept confidential because of applicable laws or
statues will not be kept confidential.
D. From time to time your coaching calls may be monitored or recorded as part
of our ongoing quality process and training for the coaches.
Default and Cancellation Policy.
If you are paying for your coaching on a monthly payment plan, your
account must be current under the terms of this Agreement before the start of
each session. If you do not pay by the agreed upon dates of your coaching
sessions then you will be considered to be in default of this Agreement and BOWA
will stop the coaching sessions until you bring your account current. If after
30 days you do not make your payments to bring your account current, B.O.W.A.
will automatically cancel this Agreement and any remaining balances shall be
due immediately and in full. Failure to pay after 45 days will result in the
commencement of credit collection services to be collected through a third
party company or charged to the existing credit card on file.
Forms to Submit. From the date of this Agreement you have 10
business days to complete and submit your client Self Discovery Assessment
(SDA) to B.O.W.A.. Upon B.O.W.A.’s receipt of your completed client SDA, you
have 20 business days to complete your first coaching session. If you fail to
complete your client enrollment form and/or your first coaching session within
30 business days, B.O.W.A. will cancel this Agreement and you will forfeit all
tuition paid to B.O.W.A.. You may pay a 30% re-instatement fee to
reactivate the program you signed up for.
Cancellation
Fee. In the event that
you decide to cancel this Agreement, in accordance with the terms of this
Agreement, you must provide written notice to your assigned Coach, stating the
reasons that you have decided to cancel. Regardless of when you cancel, or if
by default your Agreement is cancelled pursuant to this paragraph, B.O.W.A. will charge you charge a $495 to $1995 at BOWA’s discretion, if you cancel prior
to completing your contract this will be deducted from balance owed or fees
collected. Should you cancel your
coaching prior to completing your coaching contract any fees collected will not
be refunded after welcome package is sent out via, email, mail or fax. This fee
will be due at the time of cancellation and may be deducted from payments already
made, paid by check or be charged to the credit card on file. This cancellation fee is non-refundable and
non-transferable. B.O.W.A. will also retain the tuition of the coaching
sessions you have completed. If you paid in full at the start of your
Agreement, and cancel prior to the completion of your Agreement, your price will
revert to the monthly payment plan price. You are responsible for all fees
contracted even if you cancel your agreement or it is terminated.
Expiration Date. You have a 30-day grace period at the end of
your contract to complete all coaching sessions outlined in your contract.
Inactivity. If your account remains inactive due to non-payment or
nonparticipation for 60 consecutive days B.O.W.A. will cancel your contract and
you will forfeit all tuition paid to B.O.W.A.
Transfers, Program Changes, Missed and Rescheduled Sessions
A. You will contact your Coach at agreed upon times, by calling a number,
which will be provided to you, and you will be responsible for the telephone
charges.
B. If you miss your regularly scheduled call for any reason, without giving 24
hours notice, the call will be considered a completed session and will not be
replaced by your Personal Coach.
C. If you are late in making your scheduled call, the coaching session will end
at its regularly scheduled time, irrespective of the length of the call, and
will be considered a completed session.
Warranties. You acknowledge by responding to this email or the
agreement you signed with your representative, that you are not relying upon
any warranties, promises, guarantees or representations made by B.O.W.A. or
anyone acting or claiming to act on behalf of B.O.W.A. unless it is in writing
and made a part of this Agreement. All advertising material and all prior
representations or agreements, if any, whether oral or written, are hereby superseded
by this Agreement. This Agreement contains the entire understanding and
agreement between you and B.O.W.A. and no addition or modification of any terms
shall be effective unless set forth in writing and signed by you and B.O.W.A..
No sales representative of B.O.W.A. has the authority to modify the terms of
this Agreement.
Approval. Your approval and acceptance of this Agreement will
be required prior to commencement of any of the Coaching sessions. Attorney’s
Fee’s. If it becomes necessary to enforce this Agreement through legal action,
then we shall be entitled to recover reasonable attorney’s fees and costs
incurred in such enforcement of this Agreement.
Subject to
change. Dates and times of
sessions will be determined by Coach availability. Assignment. This Agreement
may not be assigned to another individual or entity. Indemnification. You agree
to indemnify and hold harmless Bert Oliva, B.O.W.A., and affiliated companies,
their officers, directors and employees from any and all claims, demands,
suits, expenses, costs, attorney fees, judgments or other charges incurred by
you as a result of your voluntary choice to participate in these coaching
sessions. You will not hold B.O.W.A., or its Coaches responsible for any
actions or adverse results created as a direct result of advice or
recommendations given by B.O.W.A., or it’s Coaches.
Disputes Any unresolved disputes regarding this agreement
shall be settled by binding arbitration before a single arbitrator, using the
Commercial Rules of the American Arbitration Association, in Miami, Florida.
The laws of Florida, county of Dade shall govern this Agreement.
Satisfaction
Guarantee If you are not completely satisfied, you may
cancel your contract with B.O.W.A. at any time in accordance with the
cancellation terms of this agreement. B.O.W.A. will charge a $495 to $1995 at
BOWA’s discretion, if you cancel prior to completing your contract this will be
deducted from balance owed or fees collected. This cancellation charge is
non-refundable and non-transferable. B.O.W.A. will also retain the tuition of
the coaching sessions you have completed or assessment fees.